At Principium preservation is our number one goal. Our team works diligently to reduce market volatility within our client portfolios and have been defying the Wall Street dogmas for over 15 years. Our goal is to see your vision realized... and we have the team and tools to make it happen.

Utilizing our proprietary processes and software, we can easily identify which mechanisms will safely ensure your retirement, and can build a portfolio that is measurably superior. Your vision needs to be realized, and it’s time for something different.

You didn’t work for decades, saving and sacrificing, only to let the “Wall Street System” take away from your sense of peace of mind and accomplishment. We at Principium employ a highly effective process for asset preservation, income design, and legacy planning. Financial products and their salespeople are an epidemic. We have the cure.

The Companies We Keep

What We Do

As a firm, we believe that the only proven way to manage wealth correctly is to follow rule-based approach that eliminates human error and emotion. By teaming up with Navellier Calculated Investing, we have been able to provide our clients...

Most clients we meet understand that they need to have a plan of action heading into retirement. After all…the “accumulation” phase is over, and now its time to pay yourself back. The truth is that “decumulating” an asset safely is...

How good is a guaranteed paycheck each month if it’s less than it could be? Over the course of your retirement, you’ll draw on several sources for income, and we believe that each one should be scrutinized to ensure that...

Many of our clients have been extraordinary SAVERS, and not only enjoy an active and fruitful lifestyle, but know that they will leave something behind to loved ones. As tax implications loom greater with each year, there is an imminent...

Medicare Advisory Services Making the transition from employer-paid healthcare or an individual plan to Medicare can be confusing. With over 10,000 people each day turning 65, the landscape has become overwhelmed with supplemental salespeople and a phone that almost never...

Are You Facing a Long-term Care Crisis? Maybe you’re already in danger. Every day in Michigan, people are losing their homes and assets to catastrophic illness that hurt their family…and they cannot afford to pay the outrageous nursing home costs....

How We Do It

We’ll meet with you and Identify your Vision

Sharing a vision is the most important step in deciding what kind of advisory relationship is best for you. Whether you are trying to create a sustainable income stream for retirement, simply grow and preserve your nest egg, or design a financial legacy for your children, it is important that we have a clear vision before making any recommendations.

We’ll analyze your REAL risk tolerance and test your current portfolio against both good and bad market scenarios.

Only then can we revise the strategy to optimize gains and income flow, while mitigating losses and focusing on asset preservation. Once an agreement has been reached we can design and implement a portfolio that achieves your vision on a quantifiable basis.

We partner with Riskalyze, a company that quantifies the risk tolerance of every investor in a unique and innovative way built on decades of academic research. Together we translate risk tolerance into a math-based Risk Number. By using powerful risk analytics, we compare your risk preference with your actual portfolio risk. Then we Stress test your portfolio for a variety of stock and bond market scenarios. By completing the risk assessment and getting a true risk score will help us as we evaluate your long term goals and needs. This is the first step that we’re taking behind the scenes to ensure you’re invested correctly and so you’re set for your long term goals. What is your risk number?

We’ll monitor your progress and make changes when necessary.

True “active” management happens when we operate as a team, keeping tabs on the balances every single day, and communicating often. Remember, your vision is to successfully retire, and ours is to get you there beyond a shadow of doubt.